cc util question

[crapandgarbage]

which is  more important?   one single credit card below 10% or the total of all cards below 10% of total combined available credit?

should i pay down one card at a time then move to the next one or switch each month to work on total util.

[marty56]

They all need to be under 10% to get the maximum effect on your score.  From a motivational/budget standpoint you would work on 1 account at a time.

All depends on your goal and your mindset.

[Anonymous]

They are EQUAL in scoring

How to pay it off is all about your goals-

$ wise pay the highest APR first-

FICO wise - Get all of them under 50%, 30%, 10% and then less them half of them with balances.